24/7 emergency medical assistance to assist you in stressful circumstances.
If you become ill or need to change your travel plans, we can help.
Up to $15,000 luggage and personal effects cover for loss or damage.
Cover for exorbitant rental excess fees if your car is damaged/stolen.
If your plans are disrupted because of illness.
If you’re the victim of common credit card fraud.
Cover for legal liability in some circumstances.
If your flight is delayed/cancelled, we could help.
In the first instance, you should contact the airline to see if any alternate arrangement can be made or if any compensation may be offered. You should retain any documentation provided by the airline or receipts for any out-of-pocket expenses which you may incur as a result of the delay or cancellation so that you can submit them should you need to make a claim. We do not cover for cancellation, delays or rescheduling which are at the fault of the airline as the responsibility falls on the transport provider to supply you with the services you have paid them for. Please see more information about travel insurance and cancellation cover.
If you’re travelling internationally, 1Cover offers Emergency Medical Assistance anywhere in the world, 24 hours a day, 365 days per year. If you’re sick or injured, we advise that you or a member of your travelling party call our medical assistance team as soon as possible.
For minor ailments, such as those that only require a GP visit, you may choose to visit a doctor, pay for your visit upfront, and then submit your claim either from overseas or once you return home. Make sure that you keep all receipts and reports from your treating doctor, including the diagnosis and treatment notes and any other documents.
There are certain things you will need to be aware of in terms of your travel insurance if you’re riding a scooter, moped or motorcycle overseas. Find out everything you need to know here.
Yes, if your policy hasn’t yet expired, you can extend your policy via the Policy Manager. If you log in and aren’t able to extend for some reason, you can get in contact with our friendly call centre.
If you need to cancel your trip, notify any travel providers (airlines, accommodation, tour providers, etc) of your intention to cancel.
Make sure you check whether your travel providers will refund you. Sometimes, they will return deposits, fares, etc., depending on when you cancel and what your original contract states.
If you aren’t reimbursed, then check the certificate of insurance and the PDS to see whether your circumstances are covered.
Once you have done this, and you intend to claim, you’ll need to obtain and supply confirmations, refund advices, and terms and conditions. We request these for lodgement of your claim.
A theft while you’re away is incredibly unsettling, but to substantiate your claim, you’ll need to report the theft to the police or nearest local authority within 24 hours of the incident and obtain a written report that can to be used as supporting documents.
Make sure that the police report you obtain is an official one, and that all the items that have been stolen are clearly detailed. You?ll also need to capture the circumstances surrounding the event. Remember, the more information on the report, the better.
When you submit your claim, you’ll also need to provide proof of purchase and/or ownership in relation to the stolen items.
Our emergency assistance team are available to help you 24 hours a day, 365 days a year, no matter where you are in the world.
We’re recognised with awards for exceptional products and service by industry experts Canstar, Mozo and Product Review.
Whether you're buying a policy or making a claim, one of our friendly travel insurance experts will be able to assist you.
We’ve covered millions of travellers and their holiday adventures worldwide. Here’s what our customers have to say.
We make it easy to declare your pre-existing medical conditions and apply for cover with a simple online assessment.
We make claiming easy. Use our online claims form to get your claim assessed and resolved as quickly as possible.
Planning your next adventure? The 1Cover Travel Hub is your go-to destination for everything you need before you fly, sail, or hit the road. From travel insurance explainers to destination guides and how-to articles, you'll find heaps of helpful content for your trip. No matter what holiday you're planning, our guides are the One thing you'll want by your side.
If you're looking for ways to make your next holiday unforgettable, our expert travel writer Ben Groundwater has the answer. Drawing on his extensive global travel experience, Ben highlights the single most important thing every traveller should do on holiday to create lasting memories. Instead of getting lost in long lists of attractions and activities, his tip helps you focus on the experience that truly captures the spirit of your destination. This expert insight is essential for travellers wanting authentic and rewarding adventures.
There are new visa requirements for Australians visiting Europe in 2025 & 2026. So whether you're heading to Italy of France, or any of the Schengen countries, find out the new visa requirements here.
From climbing Mount Batur, to visiting the Tegalalang Rice Terraces, to taking a selfie on the infamous Bali swing. Check out our guide on the top things not to miss out on your trip to Bali.
Want more holidays? Who doesn't! Check out our calender which helps you maximise your annual leave in 2026 so you can do less work and more play.
One small thing really can trip up your travels. Wayne and Debra Murphy know this more than most, after one slip on an ice cream turned their Phuket trip upside down. Wayne fell and broke his kneecap resulting in more than $400,000 in medical bills. Read more to hear Wayne’s story.
Travel insurance helps protect you from unexpected events and financial losses while you’re travelling, whether overseas or within Australia. From trip cancellation and travel delays to medical emergencies, lost or stolen baggage, and other unforeseen events, travel insurance gives you peace of mind before and during your holiday.
Things don't always go according to plan, so having the right cover in place allows you to travel with confidence. From travel delays to accidental injuries,1Cover travel insurance has your back when things go sideways. Explore what we cover.
You've booked your flights, you've packed your bags...but have you bought travel insurance? If you're leaving Australia, travel insurance is just as essential as a passport. Medical expenses are the number one reason to get insurance, believe us when we say the cost of medical treatment overseas really can be eye watering. Just take a look at some of our case studies to understand. What's more things can often go wrong like travel delays, lost luggage or even the big stuff like natural disasters and pandemics. So listen to Smarttraveller...If you can't afford travel insurance, you can't afford to travel.
Travel insurance policies vary in price depending on factors such as the length and destination of the trip, traveller's age and health, and the level of coverage or extras selected. On average, you can expect travel insurance to cost anywhere from 4% to 10% of the total cost of your trip.
The best policy for you will depend on your individual needs and preferences, but there are some essentials when looking for the right cover. When researching, look out for a policy which has adequate amount of cover for your holiday - your transport, accommodation as well as any luggage items and any pre-existing conditions. Make sure you understand the exclusions when you wouldn't be covered. And look for awards and reviews from previous customers to get an idea about customer service and claims. Compare our plans to see which is the best cover for you.
If you have any other questions or queries, please visit our Contact Us page. If you are experiencing an emergency, please use the details on our Emergency Assistance page.
1Cover ® is a registered trademark of 1Cover Pty Ltd. 1Cover Pty Ltd ABN 91 105 954 265, is an authorised representative of Coffre-Fort Pty Limited ABN 66 125 358 518, AFS Licence No. 472457. 1Cover is located at Level 1, 332 Kent Street, Sydney NSW 2000. Before you buy, please read the Product Disclosure Statement and Target Market Determination. Any information contained on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the Product Disclosure Statement (‘PDS’). Before you purchase, please note in particular, the eligibility criteria, travel warnings in place and limitations to claim under multiple policy sections.
This insurance is underwritten by HDI Global Specialty SE, a company registered in Germany acting through its Australian branch, HDI Global Specialty SE – Australia, ABN 58 129 395 544, AFSL 458776.
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